{"schema_version":"secwatch.filing_event.v1","accession":"0001193125-22-017578","form_type":"8-K","ticker":"CIZN","cik":"0001075706","company_name":"CITIZENS HOLDING CO /MS/","filed_at":"2022-01-26T23:59:59+00:00","discovered_at":"2026-05-14T18:04:05.344712+00:00","generated_at":"2026-06-27T15:19:07.156265+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.55,"calibrated_materiality_score":0.55,"confidence":"high","headline":"Citizens Holding Q4 net income $1.81M ($0.32/share), down 18.7% YoY; full-year EPS $1.34, up 8.1%","bullets":["Full-year net income $7.49M ($1.34/share) vs. $6.93M ($1.24) in 2020, up 8.12%.","Q4 total revenue $12.53M, down 4.52% YoY; net interest margin improved to 2.85% from 2.64%.","Non-performing assets fell 44.6% YoY to $6.46M; allowance to loans 0.79%.","Total deposits rose 1.53% to $1.11B; cost of funds declined 26 bps for the year to 0.50%.","Dividends unchanged at $0.96/share for 2021."],"urls":{"canonical":"https://secwatch.observer/filing/0001193125-22-017578","json":"https://secwatch.observer/filing/0001193125-22-017578.json","markdown":"https://secwatch.observer/filing/0001193125-22-017578.md","text":"https://secwatch.observer/filing/0001193125-22-017578.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1075706/000119312522017578/0001193125-22-017578-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1075706/000119312522017578/d296118d8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-27T15:19:07.156265+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}